The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$5,911
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,095
−HK$187/mo
Today · 4.125%
HK$6,282
baseline
▲ 0.50% · 4.625%
HK$6,664
+HK$382/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,564/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,576
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,753
−HK$179/mo
Today · 4.125%
HK$6,932
baseline
▲ 0.50% · 4.625%
HK$7,297
+HK$365/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,864/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,094
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,314
−HK$225/mo
Today · 4.125%
HK$7,539
baseline
▲ 0.50% · 4.625%
HK$7,997
+HK$458/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,078/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,892
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,103
−HK$215/mo
Today · 4.125%
HK$8,318
baseline
▲ 0.50% · 4.625%
HK$8,756
+HK$438/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,636/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,276
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,533
−HK$262/mo
Today · 4.125%
HK$8,795
baseline
▲ 0.50% · 4.625%
HK$9,330
+HK$535/mo
Deposit HK$778K · loan HK$1.81M · min. income ≈ HK$17,590/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,207
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,454
−HK$250/mo
Today · 4.125%
HK$9,704
baseline
▲ 0.50% · 4.625%
HK$10,216
+HK$512/mo
Deposit HK$778K · loan HK$1.81M · min. income ≈ HK$19,408/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,641
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,971
−HK$337/mo
Today · 4.125%
HK$11,308
baseline
▲ 0.50% · 4.625%
HK$11,996
+HK$688/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,616/mo (50% DSR)
Upfront cash ≈ HK$259K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,837
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,155
−HK$322/mo
Today · 4.125%
HK$12,477
baseline
▲ 0.50% · 4.625%
HK$13,135
+HK$658/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,954/mo (50% DSR)
Upfront cash ≈ HK$259K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).